Hawaii Auto Insurance Requirements
As a driver in a “No-Fault” state, such as Hawaii, when you are involved in an auto accident, your Personal Injury Policy, or PIP (required by law to carry at least $10,000), will pay for your own medical expenses (up to the covered amount) while the other driver’s PIP will cover their personal medical expenses, regardless of who is at fault. However, your ability to sue the other party, unless the injuries are severe, is pretty much gone.
To cover property damages, you are required to carry liability insurance with minimum levels of 20/40/10 (see the chart below).
Hawaiian motor vehicle operators may increase their PIP policy to cover lost wages, alternative medical benefits, as well as death and funeral coverage.
Additional add-ons for asset protection are also optional for Hawaiians to purchase, such as collision, comprehensive, and/or uninsured and underinsured motorist bodily injury coverages.
| Coverage Type |
Required? |
Minimum Coverage Amount Required |
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Auto Insurance for Leased Vehicles in Hawaii (HI)
Most leasing companies in Hawaii typically require drivers to maintain insurance coverage which exceeds the minimums set by Hawaii state law. This is to protect you financially, as well as your leasing company, should they be held partly responsible. Most leasing companies will recommend the following amounts of insurance coverage:
Special Considerations for Hawaii Drivers by City
| Hawaii does not have a statewide Department of Motor Vehicles. Vehicle Registration is managed by each county government. |
State of Hawaii Department of Commerce & Consumer Affairs: Insurance Division
PO Box 3614
Honolulu, HI 96811
www.hawaii.gov/dcca/ins |
**Auto Insurance Finder is not an insurance broker or carrier. Content on this site is for comparison and informational purposes only. The products and services listed on this site may not be available in all states.
Last Updated: February 14, 2008
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